Your Financial Resource Hub for Smarter, More Confident Decisions
Our Philosophy: An Informed Client Can Make an Informed Decision
At Insure Your Success, education is the foundation of empowerment. This page is built for individuals ready to make informed financial choices — whether you’re comparing life insurance options, evaluating retirement strategies, or exploring Medicare coverage. Every resource, glossary term, and blog article on this page exists to support one mission: to give you clarity, confidence, and control.
We guide every client through a data-backed process:
Assessment → Financial Analysis → Strategy Design.
By starting with understanding, we ensure every financial recommendation aligns with your unique goals, priorities, and future plans.
Description of Services
Every successful financial plan starts with understanding where you stand. At Insure Your Success, we take the time to analyze your full financial picture, uncover opportunities, and design a strategy that delivers measurable results.
Our 3-Step Methodology:
Financial Assessment – Identify your current financial position and clarify your goals.
Comprehensive Financial Analysis – Evaluate income, cash flow, insurance, and protection gaps.
Strategy Design Plan – Create a personalized, data-driven strategy that transforms insight into action.
Our Financial Strategy Process: From Assessment to Action
Stay informed with articles designed to simplify financial topics and give you a strategic edge. Our blogs are built to educate, inspire, and position you for success.
Featured Articles
Indexed Universal Life 2026: Tax-Free Growth and Living Benefits Explained
Retirement Confidence: From Accumulation to Lifetime Income
Medicare Simplified: Choosing the Right Plan with Confidence
Explore Expert Insights & Actionable Advice
Glossary of Financial Terms
Understanding financial terminology is key to making confident decisions. Our glossaries break down complex terms across life insurance, annuities, and Medicare — each paired with a practical Pro Tip explaining why it matters. To learn additional terms, select the explore button.
Learn the Language of Financial Success
Term Life Glossary
Death Benefit: The payout your beneficiary receives upon your passing.
Pro-Tip: The death benefit ensures income protection — making Term Life ideal for families building wealth and paying off debt.
Return of Premium: A feature that refunds your paid premiums if you outlive the term.
Pro-Tip: Great for cost-conscious clients who want coverage without “losing money.”
Living Benefits: Riders that let you access a portion of your death benefit during illness.
Pro-Tip: These features transform life insurance from a payout tool to a living safety net.
Top 3 Trending Terms
Whole Life Glossary
Cash Value: A guaranteed savings component that grows tax-deferred.
Pro Tip: Use cash value for Infinite Banking or Legacy Planning — your policy can become a financial asset.
Dividend: A share of the insurer’s profit paid to policyholders.
Pro Tip: Reinvest dividends to grow your policy faster or use them to pay premiums.
Paid-Up Additions (PUA): Additional coverage purchased using dividends.
Pro Tip: A key feature in Infinite Banking to accelerate compound growth.
Top 3 Trending Terms
IUL Glossary
Index Crediting: Links growth to a market index like the S&P 500.
Pro Tip: Gain from market performance without the risk of direct investment losses.
Dividend: A share of the insurer’s profit paid to policyholders.
Pro Tip: Reinvest dividends to grow your policy faster or use them to pay premiums.
Paid-Up Additions (PUA): Additional coverage purchased using dividends.
Pro Tip: A key feature in Infinite Banking to accelerate compound growth.
Top 3 Trending Terms
Annuity Glossary
Accumulation Phase: The period when your money grows before withdrawals.
Pro Tip: Understanding this phase helps optimize compounding and timing.
Annuitization: Converting your annuity into a guaranteed income stream.
Pro Tip: A reliable retirement income source that eliminates longevity risk.
Surrender Charge: A fee for early withdrawal.
Pro Tip: Proper design avoids penalties and maximizes liquidity.
Top 3 Trending Terms
Medicare Glossary
Medicare Advantage (Part C): Bundled private coverage including vision, dental, and wellness.
Pro Tip: Ideal for retirees seeking convenience and additional benefits.
Medigap (Supplement): Fills coverage gaps in traditional Medicare.
Pro Tip: Great for those who prefer predictable out-of-pocket costs.
Prescription Drug Coverage (Part D): Covers medication expenses.
Pro Tip: Align with your health and income strategy for efficiency and peace of mind.
Top 3 Trending Terms
Coming Soon
A new glossary will be arriving before Christmas 2025.
Here are some Pro Tips in the meantime:
#1: Familiarize yourself with the terms before our appointment.
#2: See how these terms can make a difference in your life.
#3: Ask questions. My company's unofficial motto: An informed client, can make an informed decision.
Thank you to everyone for your support.
Top 3 Trending Terms
About Us
We are educators first, strategists second. Led by financial strategist John Ortiz, Insure Your Success was founded on the belief that clarity creates confidence. Every service, guide, and glossary reflects our promise: no pressure, no jargon — just financial clarity.
Our Mission: Empower every client to make informed, confident financial decisions through education and analysis.
Our Process: Start with Assessment → Move to Analysis → Deliver Strategy Design.
Our Promise: Real Strategies. Real Results.
Who We Are
Client Testimonials
“The strategy discussion I had with John helped me choose the Debt Action Plan - it is a part of my personal & business financial plan. The strategy works great!" - E. Baker
"I cannot express the gratitude for the invaluable guidance I received from John Ortiz regarding the development of my life insurance strategy."
- J. Solorzano
"Life insurance was never really on my financial plan. I was always thinking 401K, I'm so glad I had a conversation with you. Thank you for your help.
- C. Narvaez
Real Strategies. Real Results.
FAQs
Is Term Life Insurance worth it?
It's cost-effective and flexible especially for income protection, mortgage protection, and buy sell agreements for businesses.
What makes Whole Life ideal for Infinite Banking?
Whole Life policies with strong dividend performance and PUA riders create compounding growth opportunities.
How can an IUL fund tax-free retirement?
IULs offer market-linked growth and tax-free access to cash-value - making them a strategic wealth builder.
What's the best annuity for retirement income?
Generally speaking, retirees are attracted to the growth and protection provided by indexed annuities.
When should I enroll in Medicare?
First-time enrollment can begin 3-months before your eligibility month and up to 3-months after as well without penalty. It is important to have the Medicare conversation with plenty of time to align the health plan with your health & financial goals.
Top Trending Questions Answered
Call to Action
Every confident financial journey begins with one simple step — your Financial Assessment.
Taking control of your financial future starts by knowing where you stand. This is not a sales pitch — it’s an opportunity to evaluate your goals, protection levels, and growth potential. With the data from your personalized assessment, you gain clarity on what’s working and what needs attention. Our team then applies real analysis to uncover strategies that improve efficiency, protect your income, and build long-term wealth. The outcome is a strategy you can implement immediately, backed by understanding and confidence. Choose your starting point and uncover your path to financial clarity, control, and peace of mind.
Select Your Assessment:
Financial Readiness Assessment
For early-career individuals or growing families.
Retirement Readiness Assessment
For those preparing for their next financial chapter.
Medicare Readiness Assessment
For retirees optimizing coverage and costs.